Plus Bank implemented scoring of NBKI bureau in decision making system about issuance of credits
| Customers: Plus Bank
Contractors: National Bureau of Credit Histories (NBCH) Product: Scoring of bureau 3.0Project date: 2019/08 - 2020/02
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2020: Implementation Scoring of bureau 3.0
Plus Bank implemented industrial scoring of bureau of National bureau credit of stories (NBKI) "Scoring of bureau 3.0" in own decision making system about issuance of credits. On March 4, 2020 announced it to NBKI.
The mathematical model of scoring of NBKI bureau is developed by FICO company – the company in the field of predictive analytics. The model considers not only long-term international experience, but also specifics of the Russian retail lending as at its creation the analysis of obligations of 100 million borrowers, information on which contains in NBKI base, was used.
 | Use of scoring of NBKI bureau in the course of adoption of credit solutions will allow us to increase efficiency of retail lending, to improve service of responsible clients and to protect itself from unfair borrowers. First of all, It should be noted simplicity of integration and use of "Scoring of bureau 3.0" that positively affects all economy of credit process. At the same time impresses the speed and accuracy of risk assessment by consideration of credit requests and the analysis of the current credits. Among other, scoring of NBKI bureau also showed high efficiency regarding segmentation of borrowers at all stages of credit process. It is obvious that this scoring model perfectly is suitable for risks assessment in retail lending, speaks the director of risks of PJSC Plus Bank Denis Andreyanov
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| | Scoring of bureau 3.0" belongs to the last generation of the scoring models existing in the world. For several last years of advantage of this scoring model could estimate a large number of the Russian creditors. Undoubtedly, it is one of the most powerful instruments of forecasting of credit risk in the market of retail lending. At the same time the efficiency of scoring of NBKI bureau, its stability and forecast quality continue to grow, being annually enriched with millions of records from NBKI base, comments the CEO of NBKI Alexander Vikulin
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